With Carat, you can offer your customers an option to pay their preferred way. Offering more payment options can:
Provide your customers with a familiar purchasing experience in the markets that matter to your business.
Provide access to the world’s most popular payment wallets. Easy to use, contactless checkout experiences.
Save on fees and reduce risk by allowing your customers to pay with their bank accounts. The demand for this fast, easy and low cost payment method is higher than ever.
Place your brand directly into the consumer’s wallet; Drive customer acquisition, retention, and loyalty.
Increase purchasing power and average order size. Your customers can now choose to pay over time either online or in-store.
Make payments safer and more interactive using touchless QR codes. From curbside pickup to scan & go and more.
Enable the millions of people who rely on government assistance programs to make digital purchases how, when and where they want.
Tap into a network of secure, accessible local payment methods to help grow your business. We offer the top local payment methods in the markets that matter to your business.
Map is an illustrative example of the top payment methods in select countries,
not representative of all the local payment methods available through Carat.
Instantly checkout through a click, tap, wave or even the sound of your voice. Create better experiences by offering more choices.
Amazon, ExxonMobil and Carat partnered to build and rollout voice-enabled payment options at 11,500+ Exxon and Mobil locations.
Google and Carat partnered to build a custom pay at the pump experience, showcasing the power of omnichannel commerce capabilities to new and existing payment channels.
With the popularity of digital wallets, customers are paying directly with their bank accounts at higher rates than ever before. We enable easy bank log-in and secure omnichannel experiences.
Reduce your processing cost per transaction and save costs, even if customer perks are added.
Enjoy peace of mind as Pay by Bank can drive higher approval rates and eliminate chargebacks.
Use your cost savings to offer more perks to your customers, driving frequency and average ticket size.
Engage customers, turn browsing into buying. Offering and accepting gift cards encourages customer loyalty and adds value to your business.
We place your brand directly into the consumer’s wallet, increasing brand awareness and ensuring you are with them when they are looking to buy.
Whether you want to reach customers across town or across the globe, we can help you sell and accept digital and physical gift cards in-store, online, or in-app to create seamless customer shopping experiences.
Acquire, retain, and motivate customers to buy from your brand while you collect a wealth of consumer information and data.
Multi-layered security features are integrated into our transaction processing systems to help keep your information and data safe.
Attract more customers and grow your business with Pay Later options through Carat.
Minimal tech lift. Multiple partner options. Easy to use.
Remove the need to handle cash or cards through secure, convenient QR codes. Protect both your employees and customers across a range of experiences such as curbside pickup, scan & go, order ahead, and more.
Millions of American households rely on government assistance programs to purchase food and everyday items. Contribute to the greater good by enabling Online EBT to increase their payment choice and convenience.
50%
Cost savings per transaction
We partnered with a petro convenience chain to deploy Pay by Bank and integrate loyalty perks for their customers. Their Pay by Bank users drove cost savings, with twice as many high frequency users and 30% higher average ticket.
Source: Carat and client-provided data
15%
Increase in reward membership activations
We supported a major coffee chain to leverage gift solutions with unique rewards and they drove higher loyalty and engagement from their customers.
Source: Carat and client-provided data
20%
Repeat rate from new BNPL customers
We partnered with industry leading Buy Now, Pay Later providers to help our customers drive more sales with flexible payment options.
Source: Affirm, Carat BNPL Partner
We will work with you to understand your business needs and show you how to best leverage our solutions to make your vision a reality.